                &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}&\multicolumn{1}{c}{(5)}\\
                &\multicolumn{1}{c}{Any MoB}&\multicolumn{1}{c}{Sum MoB}&\multicolumn{1}{c}{No. MoB}&\multicolumn{1}{c}{Savings}&\multicolumn{1}{c}{Late Repayment}\\
\midrule
Saving          &   -0.006\sym{***}&   -1.309         &   -0.023\sym{*}  &  -10.260         &   -0.004         \\
                &  (0.002)         &  (1.824)         &  (0.014)         &  (7.813)         &  (0.016)         \\
\addlinespace
Mobile Banking  &    0.044\sym{***}&   11.495\sym{***}&    0.043\sym{***}&    1.927         &   -0.027\sym{*}  \\
                &  (0.004)         &  (2.599)         &  (0.015)         &  (7.312)         &  (0.016)         \\
\addlinespace
Saving  $\times$ ...&    0.002         &   -4.628         &   -0.019         &   23.922         &   -0.022         \\
                &  (0.005)         &  (6.576)         &  (0.032)         & (19.762)         &  (0.019)         \\
\addlinespace
MB  $\times$ ...&    0.036\sym{***}&   34.635\sym{***}&    0.061\sym{*}  &   27.225         &    0.002         \\
                &  (0.007)         &  (8.112)         &  (0.034)         & (17.924)         &  (0.019)         \\
\midrule
Observations    &    60000         &    60000         &    60000         &    60000         &    17540         \\
Control Mean savings\_median=0&    0.010         &    2.613         &    0.022         &    2.538         &    0.399         \\
Control Mean savings\_median=1&    0.038         &   20.050         &    0.129         &  567.453         &    0.090         \\
p-Value Savings  = MB&    0.000         &    0.000         &    0.000         &    0.117         &    0.155         \\
Total effect MB &    0.080         &   46.130         &    0.104         &   29.152         &   -0.025         \\
Total Effect MB p-value&    0.000         &    0.000         &    0.001         &    0.126         &    0.040         \\
Wave FE         &      Yes         &      Yes         &      Yes         &      Yes         &      Yes         \\
